What are the options when you are told that you have to pay room and board for hospice and you need financial help to pay for it.? - AgingCare.com

What are the options when you are told that you have to pay room and board for hospice and you need financial help to pay for it.?

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The insurance will pay for medicine and medical care while in hospice but not the room and board. This is a hardship that I can not take on for my husband.

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I'm assuming that he will need to stay in & at the facility he is in right now, correct?
usually if they are in need of hospice care within a facility, they apply for Medicaid to pay for the R&B costs. Otherwise it's private pay.

Now it sounds like you are going to be living at home, as such you are considered the "Community Spouse" for Medicaid. The asset rules for Medicaid for CS are very different than for an individual applying for Medicaid. For individuals, they basically have to be impoverished with only a home & a car as an exempt asset. But for CS, in most states you can have 113K in plus various exempt other assets. You want to do whatever to keep as much as your assets as possible yet still enable him to qualify for Medicaid. An elder law attorney is the way to do this, as it can be complex for couples even without the stress of what you are going through with your hubby.

Also the vast majority of Medicaid in NH are widows or widowers, so most of what you hear is about those situations. For community spouses totally different situations. Somewhere I read that CS outlive their spouse by 12 years, so you want to do whatever you can to have as much resources as possible for your own future. Good luck and this site has a drop down list of elder law attorneys by state. i would go with one that is NAELA certified.
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I'm sure this is a very difficult time for you. You're losing your husband and dealing with money to pay for it. If he remains at home, Medicare will pay for it. Talk to the social worker at the facility he is in now. They can present other options for you.
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Ask this question of the hospice program. They may know of programs to help. My husband had hospice care at home. We discussed the possibility of him needing to move into their facility. I was told there were some "scholarships" available to cover room and board. As it happened, my husband was able to remain at home. But the first place I'd ask the question is of the hospice provider.

If your husband is not eligible for Medicaid, does that mean there are some assets that could be sold at this time to cover this expense?

I am so sorry that your husband is in need of this care. And it makes a sad situation even more stressful when there are financial issues involved.

Best wishes to you. Do keep us informed of how this worked out.
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Get thee to an elder law attorney. In the meantime, as tough as it may be on you, he'll get hospice services at home at no cost.

If you don't have funds, then Medicaid will step in; but that takes time. If he's in a nursing home temporarily, talk to the Admissions Coordinator about your financial situation. If he's in the hospital? Talk to Social Services. They stand ready to help you at this very difficult time.
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You have no choice. Sign the papers.
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